After a tropical summer, the monsoon. It’s pouring all its worth outside. No, it’s not very pretty.

Ashley Madison leaks. Another opportunity to drag “nobodies” into the spotlight and shame them. Oh, the horror of the affair! I don’t have proper stats handy, but cheating is something roughly half of people do at some point, if my memory serves me right. If it’s not more. It’s a small crime. Yes, it’s ugly, it’s a betrayal, a breach of trust, and can even endanger your partner if you’re having unprotected sex. Lying is ugly (don’t I know it). But in the grand scheme of things, it’s a commonplace transgression. That usually has a story. Anyway, my purpose is not to discuss adultery in length or excuse it (go read Dan Savage again), but to invite those who may be perched there to descend from their moral high horses.

Does being on the Ashley Madison leaks list mean you should be outed to all those who know you as a cheater, maybe ruin your marriage beyond repair, and even damage your career? (And just sayin’ — not all those with Ashley Madison accounts are cheating scumbags.)

So, I will not gloat about these possibly lying and cheating people who are now outed to the world. Not because I think they have done no wrong, but because I do not think that the public square should be the one to judge their crimes. (Read my patchwork post from the chalet for some background.)

Josh Duggar? I will allow myself some schadenfreude, given the guy has made a career shaming others for their sexual orientations, preferences, or even gender. He’s not a nobody. He’s a celebrity with a big PR machine. Different can of fish.

I didn’t just want to talk about Ashley Madison — I actually took notes of the various things I would blog about in my “next post, this week, oh next week, ouch another week has gone by”.

There’s a very interesting Planet Money episode on the birth of the minimum wage. It’s funny that for the US it is so obvious that there must be a minimum wage. Yeah, guys — it didn’t always exist. Here in Switzerland, there is no minimum wage. On the one hand I think it’s important to ensure people are paid fairly. But on the other hand it seems to me that setting a minimum wage makes us run two systemic dangers:

The first is “tampering with the system” of offer and demand. This is not a very palatable point of view, and it’s certainly shaped by the fact Switzerland has a very low employment rate. I like to believe that if something is really underpaid, people will not take the job. But I know this is wishful thinking, to some extent. When you are desperate, you will even take a bad deal. But does artificially raising the bar for the price of labour solve the underlying issue, which might simply be that there is just not enough work for everybody anymore, which may call for much more radical solutions than a minimum wage?

The second, way less far-fetched, is priming. When there is a minimum wage, this in a way sends a signal that if you’re paying that amount, you’re “OK”. What are you complaining about, you’re getting the minimum wage! I worry that if we do set a minimum wage, salaries which used to be just above might end up being “attracted” to that theoretical minimum. If everybody is paying minimum wage, you don’t have much choice but minimum wage. With no “reference point”, employers will probably be more free to compete to attract employees by varying how much they pay. I realise this is coming back to my first argument, and assuming a system in which there is “enough work”, so I’m not sure how things hold up when employees are competing for just any kind of employment.

Does anybody know of research around these questions? I’d definitely be interested in reading more on the topic.

This slightly “political” topic brings me to one of my little theories about the world. It has to do with healthcare. Healthcare has always been of a particular interest to me, probably because I use medical services quite a bit, and maybe also because I had heart surgery when I was a little girl and quite liked my hospital experience then.

I have people close to me in various countries, not the least my grandparents in the UK, and close friends in the US (and we hear enough horror stories about US healthcare, don’t we). I’ve lived in India (OK, extremes). I am in love with the Swiss healthcare system. And I have my little theory about why it is so good.

First, here’s how it works:

basic insurance (which actually covers a lot, determined by law) is compulsory; if you’re really too broke to pay for it (300-400 CHF/month roughly) your town will normally pitch in

when you go to the doctor, you pay the bill directly, then send it to your insurance which reimburses 90% of it; every year, you pay the first 300-2000CHF of your bills before getting reimbursed (you choose the “franchise” and your monthly insurance bill is reduced if you take a higher one)

for fancy stuff like alternate healthcare, private rooms in private clinics, etc, there are optional “complementary insurances”; they can refuse to take you on, but once you’re on, you’re on

So, it’s quite expensive, but the quality of care is really good. The reason I think it works well is that there is a balance between those parties who have a vested interest in costs being high (doctors etc.) and those who have a vested interest in keeping it low (insurance companies).

This means:

nobody can get dropped by their insurance because they get sick, or some “preexisting condition” BS

your insurance is not tied to your employer

“everybody” has insurance (quotes, because it’s probably not the case for a tiny marginalised fraction of the population)

you are free to see the doctor your want

no huge waiting lists for specialists, or hospitals, or doctors, or whatever

no quotas (your “GP” has more than 8 minutes to see you, and will just charge more if you end up needing a 45 minute consultation)

you get the bills, so you have an awareness how much your healthcare is costing

the quality of healthcare is high pretty much everywhere.

It’s not perfect. Ask Swiss people, they will complain about the healthcare system all day if you let them.

For me, the US is an example of a system where the people who have a vested interest in raising the costs have too much power. That’s how you end up with ghastly expensive bills for things like a drip, and insurances which have no incentive to defend your interests, as they can seemingly easily get rid of you if you become too expensive.

We see this in two areas here in Switzerland:

dental care

pet insurances.

Dental care insurances are not compulsory and not regulated. We are used to paying our dentists out-of-pocket. Having anybody in this country look at your teeth costs an arm and a leg, and insurances are commonly perceived as “not interesting” to have. Easier to drive to France (that’s what I do).

As for pets, we have seen insurances show up these last years. I got one for Tounsi as he was young enough, and it did serve me well as I ended up with thousands of francs of vet bills a couple of summers back. But the insurance has a clause for “chronic conditions” where they only pay for care during the three first months, and then they don’t cover it anymore. Sounds a lot like something one might find in human insurances on the other side of the pond?

As for the UK, it suffers from the opposite problem. As everything is state-run, and paid for by taxes, the parties looking to minimise the cost of healthcare end up having too much power. You end up with ridiculous quotas, sub-standard care, huge waiting lists. Sure, it costs less, but the quality of healthcare takes a dive.

What do you think of my “perfection in the balance of power” theory? Specially interested in your views if you’re an expat and have first-hand experience of different healthcare systems.